Already on Medicare? Let's Make Sure It's Still the Right Fit
Plans change every year — benefits, copays, formularies, networks. This 9-minute video covers what to check, when you can switch, and how a free annual review works (and why it might save you money).
Supplement vs. Advantage — Side by Side
If you're considering switching paths, here's an honest comparison.
Medicare Supplement (Medigap)
- Higher monthly premium ($100–$200+)
- See ANY doctor that accepts Medicare nationwide
- No referrals or prior authorization, ever
- Plan G: predictable costs after a $283/year deductible
- Standalone Part D required for drug coverage
- No dental, vision, or hearing — needs separate DVH plan
- Best for frequent care, travelers, and complex health needs
Medicare Advantage (Part C)
- Often $0 or very low premium
- Network-based — must use plan's doctors
- Referrals and prior authorization usually required
- Annual out-of-pocket maximum (caps your risk)
- Drug coverage usually included
- Often includes dental, vision, hearing, gym, OTC card
- Best for healthy seniors with low-cost care needs and tight budgets
Things to Check on Your Plan This Year
If any of these have changed, it's worth a free 15-minute review.
Are Your Doctors Still in Network?
Networks shift every year. A doctor who was in your plan last year may not be this year. Verify before your next appointment.
Are Your Medications Still Covered?
Drug formularies (the list of covered medications) change annually. A med that was Tier 1 last year might be Tier 3 — or not covered at all.
Are Your Copays the Same?
Plans can raise copays at the start of every year. Compare last year's "Annual Notice of Change" letter against this year's plan.
Have You Used Your Plan's Extras?
Many Advantage plans include dental, vision, hearing, OTC, gym, and transportation benefits. If you're not using them, you may want a different plan.
Is There a Better Plan in Your Zip Code?
New plans enter every year. Some carriers exit. We compare every plan available to you — for free — every fall.
Are You Protected Beyond Medicare?
Recovery care, hospital indemnity, cancer/critical illness, and final expense fill the gaps Medicare leaves. Most seniors are underprotected here.
Not sure which plan is right for you?
Book a free 45-minute call with a licensed Medicare specialist. We'll walk through your situation, compare plans side-by-side, and help you choose — with zero pressure.
Book a Free Consultation →